Paul Fisher Insurance Services LLC

Wedding Insurance and the Wedding Dress

If you are prepping for a wedding sometime in the next year or so, one item to take a closer look at would be wedding insurance. Okay, not a terribly energizing aspect of your overall “fun” wedding details, but if you really want to have fun on your wedding day, this is the point to concentrate your energies on. Sure, it would more fun to focus on locating the perfect wedding dress, the best wedding DJ, or even the most awesome wedding site, but if anything goes wrong with any of those previously listed items, it will all be done in vain if your nuptials are not covered by a policy of wedding insurance.

Picture that you you find the perfect wedding dress. It fits you astonishingly well and only needs a few minor adjustments. After going back to the dress shop for some final changes you realize it’s not fitting as well as it did on the first day you tried it on. That’s okay because you have a good 3 months before the special day arrives. Anyway, a lot can change with your body in a 6 week period. So, you leave the gown at the store and decide you’ll go back for a final fitting about a month before the magical day arrives. You concentrate on all the other multitudes of details you need to handle (one of them not wedding insurance, of course) and stop distressing about the pretty thing. Four weeks before your wedding day, something unplanned takes place.

Flooding rains race in. Your bridal shop gets hit hard by the huge amounts of water sweeping into the city. 2 feet of muddy, destructive water in the storage room wet everything from mid thigh down. Your perfect wedding day apparel is now unbelievably soaked, stained, and destroyed. Now what? Well you could try to find a new dress, but most likely your heart will be broken and the new dress will pale in comparison to the “perfect” one. Yes, it’s a long shot of a tragedy like this ever happening, but, keep in mind, Tennessee just recently got flooded out and if there are any bridal shops in Nashville, you can bet there were a lot of depressed brides throughout the town!

With a wedding insurance policy in effect you would have some control available to you depending on what kind of coverage you set up. The first idea might be to do just what was written up before, that is, search and search for the next exactly what you want in a wedding dress. Your wedding insurance should cover this money spent, as it is not going to be a million of dollars. If you can’t seem to find a new dress, your next option may be to find a tailor that can refurbish your dress back to normal. There have been a lot of leaps forward in the world of dry cleaning, and if you take your wet and smelly wedding dress to different shops, you might be able to fix the damage.

A third option is this: A lot of dresses are one of a kind, but many are produced in the hundreds or even thousands. you can locate an exact replacement and with a few changes, you’d still have your spectacular wedding dress.

And finally, the most gigantic step would be to shelve your wedding day. You’d have to have a very thorough and comprehensive wedding insurance coverage plan to be able to cancel the entire wedding and start over, but it has happened in the past and will happen again sometime later. You may be able to shift some deposits to your future wedding, but all that really matters is that you have the chance to try again. If it is a flash flood that destroys your dress, chances are the church and the reception ballroom have been affected by the same miserable flood. Most likely they will have some kind of wedding insurance to cover their establishment. Will they be able to repair the damage in time for your nuptials? If you’ve taken out a policy, it won’t really matter for naught, because you’d be able to chill until they are ready once more.

This narrative is fictitious, but as you can see, it’s not that far gone. Families spend so much money on this one special day. The typical cost across the country sits right at about 34K. That is a mega-amount of dough. Protecting your investment should seem like a no-brainer, but people are always looking to “stay under budget”. Once a couple sets a budget, they do everything in their abilities to stay within that budget. Realistically, just about every component of their wedding ends up costing them more than they thought, sometimes a lot more. It is a rare miracle if a particular thing comes in under their cost estimates. There are wedding insurance policies for under a couple hundred bucks out there and perhaps it might not cover you enough to reschedule your entire wedding day, it’s better than taking the chance and hoping that nothing awful will transpire.

With the proper coverage in place, all your troubles can be taken care of. Just the knowledge that you can have a retry of your wedding day should be enough to convince you that wedding insurance is a viable solution to your problems.

via Wedding Insurance Saves The Wedding Dress!.